Crypto regulations in France and Europe: what traders need to know

Cryptocurrencies are now part of the global financial landscape. In France as in the rest of Europe, their adoption is accelerating; including in physical and online commerce. But a question often comes up among professionals: “Is it really legal to accept crypto payments?”

The answer is clear: yes, and the framework is even becoming more and more precise and reassuring.
This article takes stock of crypto regulations in France and Europe and what merchants need to know before integrating this new form of payment; in particular thanks to a simple and compliant solution like Lyzi.

A legal framework that is now well defined

For a long time, cryptocurrencies have evolved in a regulatory gray area. But those days are over. In 2024, Europe took a major step forward with the regulation MiCA (Markets in Crypto-Assets), which establishes a framework common to all Member States.

Concretely, MiCA aims to:

• Supervise actors in the sector (platforms, service providers, wallets, etc.);
• Protecting consumers ;
• Combating money laundering and fraud ;
• And above all, provide clarity to anyone who wants to use or accept cryptocurrencies.

👉 This means that crypto payments are authorized and supervised, provided that compliant solutions are used.

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In France: an ecosystem that is already ahead

France was one of the first European countries to regulate crypto players, via the status of Digital Asset Services Provider (PSAN).
Any player wishing to offer services related to crypto must register with theFinancial Market Authority (AMF), thus guaranteeing:

• Transparency in operations,
• A strengthened security framework,
• And strict compliance with European rules.

This allows retailers to be certain that the service providers they use are legitimate and reliable.

Accepting crypto payments: what does the law say?

For a merchant, Accepting cryptocurrencies is perfectly legal, as long as the transaction complies with certain rules:

• The payment must be made voluntarily by the customer (the merchant cannot tax crypto);
• The cryptos used must be recognized (such as Bitcoin, Ethereum or regulated stablecoins);
• And above all, the merchant must be able to Convert crypto into euros if he wishes, to simplify his accounting.

That's where Lyzi intervenes.

Lyzi: a 100% compliant and secure solution

One of the major challenges for retailers is to stay within the legal framework while simplifying the management of their cash receipts.
With Lyzi:

• All transactions are supervised by PSAN registered service providers ;
• The payments are Convert into euros within 24 to 48 hours, eliminating any risk associated with volatility;
• And regulatory compliance MiCA and AMF is guaranteed.

Clearly, Lyzi allows merchants to accept crypto payments legally, safely and easily.

Why this regulation is good news

Rather than hampering innovation, European regulations aim to make it sustainable and credible.
It offers a clear framework where retailers, customers and service providers can operate with confidence.

For businesses, this means:

• Less legal uncertainty,
• More security in transactions,
• And a increased legitimacy with respect to their customers.

Conclusion: crypto, finally supervised and accessible

The time of the fuzzy zones is behind us. In 2025, cryptocurrency payments are based on a solid, transparent and protective European framework.

For retailers, it's an opportunity: to innovate while staying within the rules.
With Lyzi, this transition is stress-free, risk-free, and in perfect compliance with French and European regulations.

👉 Accepting crypto is now easy, legal, and safe.

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Do you want to offer crypto payments to your customers while remaining 100% compliant?
Find out how Lyzi can support you today.

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